Argos Card Credit Plans
Shop at Habitat with flexible payment plans that give you longer to pay. Representative 34.9% APR Variable.
Apply for an Argos Card
Representative 34.9% APR Variable
The Argos Card lets you shop at Argos and Habitat, with flexible payment plans that give you longer to pay. Plus, you can buy everyday groceries and fuel at Sainsbury's using an Argos Card (just like a regular credit card).
Shop with an Argos Card
So, what credit plans are available?
We have standard 3-6 month credit plans, plus up to 12 months to pay on selected products. With the Argos Card, no interest will be charged if you pay in full within your credit plan period and keep your account up-to-date. If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.
Special offer credit plan with longer to pay...
Got something in mind? To make it easier to choose, we've listed a selection of our special offer credit plans below. If these don't catch your eye, you can still use the Argos Card to take out a standard credit plan on anything you buy at Habitat.
Representative 34.9% APR variable. Credit subject to status. T&Cs apply.
No interest will be charged if you pay in full within your credit plan period and keep your account up to date. If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.
What are you waiting for? Get shopping...
Up to 12 months to pay
on selected furniture when you spend £199 or more.
Nothing caught your eye? Check out our standard credit plans. These can be taken out on anything at Habitat whether you're buying in-store or online.
Standard Credit Plans
3 months credit
6 months credit
How it works
First things first, add what you want to your trolley. Once you've finished browsing and shopping, you'll see your credit plan options and application details at the checkout.
Manage your Argos Card account
Already got an Argos Card? From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App
Manage your account from your computer
Not got the App? You can also check your account online. Log in to set up Direct Debits and update your personal details.
Want to learn more?
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Argos Card FAQs
We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the credit you are applying for, along with an independent verification of your credit and repayment history.
My Argos Card has been lost/stolen – what should I do?
Let us know immediately by calling us on 03456 400 700.
Monday to Saturday, 8am to 6pm
Sunday, 10am to 6pm
What if I can’t make my Argos Card payments?
Please call us on 03456 400 700.
We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you’re having any problems at the moment, please do call us and we can talk through which options are available to you.
Can I use my Argos Card to shop anywhere in Sainsbury's?
Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics – basically anything that’s stocked in Sainsbury's and Sainsbury’s Local stores. With the Argos Card, only normal credit is available in Sainsbury's.
However, you can’t use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's App.
There are also a few places within Sainsbury’s where you can’t use your Argos Card to buy anything (even groceries):
- Sainsbury’s Petrol Stations
- Sainsbury’s in-store Travel Bureaux
- In-store Lloyds Pharmacies
Habitat is a trading name of Argos Limited who is authorised and regulated by the Financial Conduct Authority as a credit broker (713206), and works exclusively with Argos Card Lender, Home Retail Group Card Services Limited, who are authorised and regulated by the Financial Conduct Authority to provide credit (716148). Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW.
Spread the cost on your Habitat shopping with an Argos Card. You can choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including indoor and outdoor furniture.
The Argos Card allows you to buy now, pay later and it’s easy to manage your account with the Argos Card App. So, if you need a new sofa, want to shop the latest lighting from Habitat or are on the hunt for the latest outdoor furniture, apply for an Argos Card online or in-store.
Credit subject to status. T&Cs apply. Representative 34.9% APR variable.